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Oct 24, 2017 The Consumer Financial Protection Bureau (CFPB) understands that individuals who use payday loans incur interest rates of as much as 300 percent or more, and it wouldn't mind if payday lenders went out of business. Accordingly the federal agency has proposed regulations that would make it very 

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Over the course of a year (0.7%/day X 365 days/year), this could equate to 255.5% APR if a borrower has an open balance for an entire year. When combined with the 24%, Tennessee law allows for a lender to charge up to 279.5% annually. The cost for a payday loan, which the state calls a "deferred presentment services